🔒 Sign in to view the address — Stanley
Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 30% below the area median — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,200 |
| Bathroom | £2,300 |
| Living Room | £1,400 |
| Hallway / Stairs | £500 |
| Master Bedroom | £1,600 |
| Bedroom 2 | £1,600 |
| Total Estimated Refurb | £10,200 |
⚠ Indicative estimates only. Based on photo condition score and regional benchmarks for a typical 2–3 bed property. Always obtain contractor quotes before committing to a refurb budget. Photo AI may over-flag minor cosmetic issues.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | Ager Building Services Ltd: Builders near me in Durham ... | 0191 622 4032 | — |
| decorator | Painter & Decorators in Durham | J Brien Decorator | 07850 792 711 | — |
| photographer | Durham City Studios | 0191 386 4486 | — |
Property Details
- Asking Price
- £49,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 600–700 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
📈 Rental Yield & ROI Forecast
Compound-growth projection: 2.5% annual rent growth + 3% capital growth. IO mortgage throughout. For illustration only.
| Year | Est. Rent/yr | Est. Value | Net Income/yr | Cum. Cashflow | Total Return | ROI on Cash Invested |
|---|---|---|---|---|---|---|
| Yr 1 | £6,708 | £50,470 | £4,385 | £2,547 | £4,017 | 21.4% |
| Yr 3 | £7,048 | £53,544 | £4,629 | £8,007 | £12,551 | 66.8% |
| Yr 5 | £7,404 | £56,804 | £4,886 | £13,975 | £21,779 | 115.8% |
| Yr 10 | £8,377 | £65,852 | £5,587 | £31,285 | £48,137 | 256.0% |
| Yr 15 | £9,478 | £76,340 | £6,379 | £52,371 | £79,711 | 424.0% |
| Yr 20 | £10,724 | £88,499 | £7,276 | £77,726 | £117,226 | 623.5% |
| Yr 25 | £12,133 | £102,595 | £8,291 | £107,914 | £161,509 | 859.1% |
| Yr 30 | £13,728 | £118,936 | £9,439 | £143,568 | £213,504 | 1135.7% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
Planning Applications Nearby (within 0.5 miles)
5 planning applications found within 0.5 miles — 🔒 sign in for references, descriptions and status
View all planning applications on your dashboard →
● Approved ● Pending ● Refused
🌎 Area Profile — North East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £475 | 11.6% | 6.7% | £73 | 1.3% |
| Conservative | £520 | 12.7% | 8.0% | £158 | 10.0% |
| Base | £559 | 13.7% | 8.9% | £212 | 13.6% |
| Optimistic | £604 | 14.8% | 10.0% | £272 | 17.9% |
| Bull | £660 | 16.2% | 11.4% | £342 | 23.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●13.69% |
| Net Yield | ●8.95% |
| Net Annual Income | £4,385 |
| Deductions: void 8% (−£537) · mgmt 10% (−£671) · maint 10% (−£671) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £153 |
| Monthly Cashflow (IO) | ●£212 |
| Cash-on-Cash Return | ●13.55% |
| 5-Year IRR | ●13.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £2,450 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £2,450 |
| Section 24 Extra Tax/yr (higher rate) | £368 |
| SPV Annual Saving | £1,142 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £56,804 |
| Less: Purchase Price | −£49,000 |
| Less: Buying Costs (SDLT + legal) | −£5,050 |
| Less: Selling Costs (est. 2.5%) | −£1,420 |
| = CGT Net Gain (5yr) | £1,334 |
| CGT at 24% | £— |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £475 | 11.6% | 6.7% | £73 | 1.3% |
| Conservative | £520 | 12.7% | 8.0% | £158 | 10.0% |
| Base | £559 | 13.7% | 8.9% | £212 | 13.6% |
| Optimistic | £604 | 14.8% | 10.0% | £272 | 17.9% |
| Bull | £660 | 16.2% | 11.4% | £342 | 23.3% |
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